{"id":536253,"date":"2023-11-07T14:22:00","date_gmt":"2023-11-07T14:22:00","guid":{"rendered":"https:\/\/www.capgemini.com\/au-en\/?p=536253&#038;preview=true&#038;preview_id=536253"},"modified":"2025-03-07T14:24:12","modified_gmt":"2025-03-07T14:24:12","slug":"embedded-finance-unlocking-the-500bn-opportunity","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/","title":{"rendered":"Embedded finance: unlocking the $500Bn opportunity"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-blogs header-hero-blogs\"><div class=\"container\"><div class=\"hero-blogs\"><div class=\"hero-blogs-content-wrapper\"><div class=\"row\"><div class=\"col-12\"><div class=\"header-title\"><h1>Embedded finance: unlocking the $500Bn opportunity<\/h1><\/div><\/div><\/div><\/div><div class=\"hero-blogs-bottom\"><div class=\"header-author\"><div class=\"author-img\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2022\/03\/Gareth-Wilson-2-1.jpg?w=200&amp;quality=10\" alt=\"\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\">Gareth Wilson<\/h5><h5 class=\"blog-date\">7 November 2023<\/h5><\/div><\/div><div class=\"brand-image\"> <\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/insights\/expert-perspectives\/should-i-stay-or-should-i-go-my-2-cents-on-current-and-future-leaders-in-digital-process-automation\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/insights\/expert-perspectives\/should-i-stay-or-should-i-go-my-2-cents-on-current-and-future-leaders-in-digital-process-automation\/&amp;text=Should%20I%20stay%20or%20should%20I%20go%3F%20-%20my%202%20cents%20on%20current%20and%20future%20leaders%20in%20digital%20process%20automation%C2%A0\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/insights\/expert-perspectives\/should-i-stay-or-should-i-go-my-2-cents-on-current-and-future-leaders-in-digital-process-automation\/&amp;text=Should%20I%20stay%20or%20should%20I%20go%3F%20-%20my%202%20cents%20on%20current%20and%20future%20leaders%20in%20digital%20process%20automation%C2%A0\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<p>The revised Payment Services Directive (PSD2) was passed by the Council of the European Union in 2015, and widely implemented in 2017. The regulation ushered the banking industry to the Open Banking era of seamless data exchange. The implications of this regulation were not restricted to only Europe. We witnessed Open Banking being embraced globally \u2013 either market driven, or government regulated \u2013 across the key markets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-rise-of-embedded-finance\"><strong>The Rise of Embedded Finance<\/strong><\/h2>\n\n\n\n<p>The advent of Open Banking allowed for new business model innovations. A key manifestation of open banking revolution is embedded finance \u2013 a business model that structurally separates the banking back-end operations from customer interface, making finance (payments, lending, banking) invisible and contextual for end users. Over the years, the embedded finance model has evolved (Figure 1), from banks being only the back-end rails to banks actively owning the CX and improving customer proximity through embedded finance.<\/p>\n\n\n\n<p><strong><strong><strong><strong><strong><strong><strong>Figure 1: Banks moving up in the embedded finance value chain to own the CX<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/10\/Embedded-Finance-1.png?w=960\" alt=\"\" class=\"wp-image-966014\"\/><\/figure>\n\n\n\n<div class=\"wp-block-file\"><a id=\"wp-block-file--media-1d0cb840-cc8e-41ef-a74a-b5af9d9fcc07\" href=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/10\/chart-1.png?w=960\"><strong>Source: ÎÚÑ»´«Ã½ Research Institute for Financial Services analysis, 2023<\/strong><\/a><a href=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/10\/chart-1.png?w=960\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-1d0cb840-cc8e-41ef-a74a-b5af9d9fcc07\">Download<\/a><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-embedded-finance-for-banks\"><strong>Benefits of Embedded Finance for Banks<\/strong><\/h2>\n\n\n\n<p>ÎÚÑ»´«Ã½\u2019s World Retail Banking Report 2021 indicated that more than 70% of banking executives agree that embedded finance helps to innovate banking products and services, expand customer base, reduce distribution and customer acquisition costs, and diversify revenue sources. As per an estimate, by 2030, <a href=\"https:\/\/thefinancialbrand.com\/news\/banking-trends-strategies\/banking-future-projections-payments-technology-crypto-branches-competition-transformation-esg-124991\/\" target=\"_blank\" rel=\"noreferrer noopener\">nearly 50% of loan originations and payment initiations will shift to non-FS channels<\/a> (like hotels, mobility, e-commerce sites, retailers, etc.). This will make embedded finance a prominent channel strategy for banks. For instance, Standard Chartered launched its Nexus BaaS platform in 2021. Since then it has partnered with an e-commerce company to launch a digital only bank in 2022 in Indonesia to offer <a href=\"https:\/\/thefintechtimes.com\/standard-chartered-unveils-digital-banking-service-in-indonesia-with-bukalapak\/\" target=\"_blank\" rel=\"noreferrer noopener\">embedded banking solutions to nearly 6.8 million merchants and almost 110 million users.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-future-embedded-finance-revenue-potential\"><strong>Future Embedded Finance Revenue Potential<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.businessinsider.com\/embedded-finance-explainer?IR=T\" target=\"_blank\" rel=\"noreferrer noopener\">By 2030, embedded finance revenue<\/a> potential for banks is forecast to reach nearly <a href=\"https:\/\/www.grandviewresearch.com\/press-release\/global-embedded-finance-market\" target=\"_blank\" rel=\"noreferrer noopener\">USD588 billion<\/a> from just USD22 billion in 2020. Moreover, an analysis from S&amp;P Market Intelligence also suggests that <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/us-banking-as-a-service-providers-post-stronger-profitability-metrics-than-banks-70735612#:~:text=24%20Jun%2C%202022-,US%20banking%2Das%2Da%2Dservice%20providers%20post,stronger%20profitability%20metrics%20than%20banks&amp;text=Many%20banking%2Das%2Da%2D,interest%20margin%20and%20efficiency%20ratio\" target=\"_blank\" rel=\"noreferrer noopener\">banks offering embedded finance could potentially witness up to 2x improvement over industry average on ROAA (return on average asset)<\/a>, net interest margin, and efficiency ratio. As the industry steadily moves towards Open Finance \u2013 allowing authorized access to a wider range of data beyond accounts and payments like insurance, investments, and mortgage \u2013 it will act as a tail wind for embedded finance growth and adoption.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-embedded-finance-and-super-apps\"><strong>Embedded Finance and Super Apps<\/strong><\/h2>\n\n\n\n<p>Embedded finance is also a key growth driver for super app strategies. Combining financial products like credit, payments, savings, insurance, etc. with a wide range of non-FS services is unlocking new avenues of customer engagement. Brands such as Uber, Amazon, and Apple are already re-bundling their services with banking to orchestrate ecosystems. This is not limited to retail consumers only. We are also witnessing super apps and ecosystems orchestrated for SMBs where non-FS services like cash flow forecasting, tax services, bookkeeping and other services are bundled with working capital loans, payments, etc. Embedding financial products in super apps ensures customers or SMBs do not have to leave the app or exit the ecosystem to complete transaction \u2013 financial or non-financial. An example is NatWest which has created a new BaaS on its business banking app called Mettle. This allows SMBs to directly embed financial services into their <a href=\"https:\/\/fintechmagazine.com\/articles\/natwest-to-create-new-120mn-uk-baas-business-alongside-vodeno\" target=\"_blank\" rel=\"noreferrer noopener\">workflows to create seamless client journeys.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-addressing-risks-in-embedded-finance\"><strong>Addressing Risks in Embedded Finance<\/strong><\/h2>\n\n\n\n<p>As embedded finance presents a compelling set of opportunities, they are accompanied by risks. Embedded finance leverages network of APIs to connect with third-party service providers for data exchange. Banks need to protect the integrity of transactions and privacy of customer\u2019s data within this ecosystem. Partnership complexities in the embedded finance ecosystem can also lead to counterparty risks stemming from one-to-many relationships, shared liability, and multi-tier relationships among service providers and banks.<\/p>\n\n\n\n<p>Finally, banks continue to confront existing risks stemming from credit quality, liquidity concerns, volatile interest rates, and operations. To remain resilient, banks must build integrated risk management capabilities for embedded finance. One way to do this is by creating a separate Banking-as-a-Service (BaaS) unit, away from core banking operations, to isolate the primary business from undesirable risks stemming from embedded finance. For instance, SEB bank from Sweden launched a separate BaaS unit, <a href=\"https:\/\/www.fintechfutures.com\/2022\/11\/seb-sets-up-new-baas-unit-seb-embedded\/\" target=\"_blank\" rel=\"noreferrer noopener\">SEB Embedded, to commercialize its embedded finance offerings.<\/a> Banks can also consider forming a dedicated risk &amp; compliance team for embedded finance to guard against evolving risks.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-people-slider section section--expert-slider wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Author<\/h2><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2022\/03\/Gareth-Wilson-2-1.jpg\" alt=\"Gareth Wilson\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPB734b7be3_7ee7_4acd_9a54_69a053fa33f0\" data-bs-expert-title=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/in\/gareth-wilson-6568a461\/?originalSubdomain=uk\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Gareth Wilson<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Global Banking Industry Leader at ÎÚÑ»´«Ã½<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPB734b7be3_7ee7_4acd_9a54_69a053fa33f0\" data-bs-expert-title=\"Gareth Wilson\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/in\/gareth-wilson-6568a461\/?originalSubdomain=uk\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">With over 30 year of experience, Gareth is an expert with a proven track record of developing long term client relationships and the successful management of large scale, complex, business critical client engagements.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"modal\" id=\"WPB734b7be3_7ee7_4acd_9a54_69a053fa33f0\">\n\t\t\t\t\t<div class=\"modal-dialog modal-dialog-centered modal-lg modal-dialog-scrollable landing-page-modals\">\n\t\t\t\t\t\t<div class=\"modal-content\">\n\t\t\t\t\t\t\t<div class=\"modal-header\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn-close\" aria-label=\"close\" data-bs-dismiss=\"modal\"><\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"modal-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\" \n\t\t\t\t\t\t\t\t\t\talt=\"Contact with us\" class=\"light\" \/>\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\" \n\t\t\t\t\t\t\t\t\t\talt=\"Contact with us\" class=\"dark\" \/>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"form-title\">Contact with us<\/h4>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_127840_164146866\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_127840_7235_3316150244\" name=\"_mf_127840_7235\" placeholder=\"First Name\" required \/><label for=\"_mf_127840_7235_3316150244\" class=\"form-label\">First Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">First Name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_127840_9041_1150666933\" name=\"_mf_127840_9041\" placeholder=\"Last Name\" required \/><label for=\"_mf_127840_9041_1150666933\" class=\"form-label\">Last Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Last Name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_127840_2885_2503919719\" name=\"_mf_127840_2885\" placeholder=\"Email\" required \/><label for=\"_mf_127840_2885_2503919719\" class=\"form-label\">Email <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Email is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_127840_5799_1982235951\" name=\"_mf_127840_5799\" placeholder=\"Company\" required \/><label for=\"_mf_127840_5799_1982235951\" class=\"form-label\">Company <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Company is not valid.<\/div><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_127840_3422_3078693650\" class=\"floating__label form-country-select-label\" data-content=\"Country\">\n\t\t\t\t<span class=\"floating-label-content\">Country<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_127840_3422_3078693650\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_127840_3422\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Country<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afghanistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Aland Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Albania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Algeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >American Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguilla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Antarctica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Antigua And Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Armenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Australia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >Austria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaijan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrain<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Belarus<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >Belgium<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >Bhutan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bolivia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >Bosnia And Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botswana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Bouvet Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brazil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >British Indian Ocean Territory<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulgaria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Cambodia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Cameroon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cape Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Cayman Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Central African Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chad<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Christmas Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Cocos (Keeling) Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Colombia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comoros<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Democratic Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Cook Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Cote D&#039;Ivoire<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Croatia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Cyprus<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Czech Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Denmark<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Dominican Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Ecuador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egypt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Equatorial Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritrea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Estonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Ethiopia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Falkland Islands (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Faroe Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >France<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >French Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >French Polynesia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >French Southern Territories<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gabon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >Gambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Georgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Germany<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Ghana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Greece<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Greenland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Grenada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadeloupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guinea-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guyana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Heard Island &amp; Mcdonald Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Holy See (Vatican City State)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungary<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Iceland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >India<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indonesia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Iran, Islamic Republic Of<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraq<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Ireland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Isle Of Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >Italy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Japan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jordan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Kazakhstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Kenya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Korea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Kyrgyzstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Lao People&#039;s Democratic Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Latvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >Lebanon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesotho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Liberia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Libyan Arab Jamahiriya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Lithuania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxembourg<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macao<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Macedonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madagascar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Malaysia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldives<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Marshall Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Mauritania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Mauritius<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >Mexico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micronesia, Federated States Of<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Moldova<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >Monaco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mongolia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Morocco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mozambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Myanmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Namibia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Netherlands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Netherlands Antilles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >New Caledonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >New Zealand<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicaragua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >Niger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nigeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Norfolk Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Northern Mariana Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Norway<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Oman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Pakistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Palestinian Territory, Occupied<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panama<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua New Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Philippines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Poland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Puerto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Qatar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reunion<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Romania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Russian Federation<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Rwanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >Saint Barthelemy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Saint Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >Saint Kitts And Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Saint Lucia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >Saint Martin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre And Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >Saint Vincent And Grenadines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >Sao Tome And Principe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Saudi Arabia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >Serbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seychelles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Sierra Leone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapore<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Slovakia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Slovenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Solomon Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Somalia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >South Africa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >South Georgia And Sandwich Isl.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Spain<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sudan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard And Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Swaziland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Sweden<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Switzerland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Syrian Arab Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajikistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanzania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Thailand<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad And Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tunisia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turkey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turkmenistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Turks And Caicos Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ukraine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >United Arab Emirates<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >United Kingdom<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >United States<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >United States Outlying Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbekistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Virgin Islands, British<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Virgin Islands, U.S.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis And Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Western Sahara<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >Yemen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Zambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimbabwe<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Country is not valid.<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) {\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').addClass('active');\n\t\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t});\n\t\t\t\t\t\t$select.on('blur', function() {\n\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t});\n                    });\n                });\n            });\n        <\/script>\n\n\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" pattern=\"^[0-9\\-\\+\\s]+$\"  class=\"form-control\" id=\"_mf_127840_9781_3549274032\" name=\"_mf_127840_9781\" oninput=\"validateInput(this)\" maxlength=\"14\" placeholder=\"Phone\"  \/><label for=\"_mf_127840_9781_3549274032\" class=\"form-label\">Phone (optional)<\/label><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><textarea type=\"text\" class=\"form-control\" id=\"_mf_127840_5321_909774349\" name=\"_mf_127840_5321\" placeholder=\"Your Message\" required><\/textarea><label for=\"_mf_127840_5321_909774349\" class=\"form-label\">Your Message <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Your Message is not valid.<\/div><\/div><div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_127840_1931_3332575762\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_127840_1931[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_127840_1931_3332575762\" class=\"form-check-label consent-text\">\n\t\t\t\tI agree to ÎÚÑ»´«Ã½ collecting and processing my personal data to allow me to receive information on ÎÚÑ»´«Ã½ services. For further information, please see <a href=\"https:\/\/www.capgemini.com\/au-en\/privacy-notice\/\" target=\"_blank\">our Privacy Notice.  <\/a> &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<\/div>\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\" role=\"button\" tabindex=\"0\"  aria-label=\"submit the form\">\n\t\t\t\t\t<span class=\"slide-text\">Slide to submit<\/span>\n\t\t\t\t\t<div class=\"mf_field__input slider-frm-btn\" rel=\"_mf_127840_3966\">\t\t\t\t\t\t\n\t\t\t\t\t\t<i class=\"icon icon-zodiak-arrow-right arrow-icon\"><\/i>\n\t\t\t\t\t\t<i class=\"icon icon-zodiak-check tick-icon d-none\"><\/i>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Slide to submit\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Submitted\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_127840_2940_3105982258\">Expert title\t\t\t\t\t<\/label>\n\t\t\t\t<input type=\"hidden\" id=\"_mf_127840_2940_3105982258\" class=\"mf_field__input empty\" name=\"_mf_127840_2940\" data-validate=\"text\" data-hidden-field-tag=\"expert_title\" value=\"\"  \/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"127840\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"expert-connect-capgemini-australia-new-website-2022\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"98bdd65cdc\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<input type = \"hidden\" name = \"mf_form_field_validate\" class = \"mf_form_field_validate\" \/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\tThank you for filling out the form! You will be contacted shortly.<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>We are sorry, the form submission failed. Please try again.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG127840 = {\"127840\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider-previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider-next\"><\/button><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\">Our expertise<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/09\/ÎÚÑ»´«Ã½_Industries_Capital-Markets.webp?w=500&amp;quality=70\" srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/09\/ÎÚÑ»´«Ã½_Industries_Capital-Markets.webp?w=500&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/09\/ÎÚÑ»´«Ã½_Industries_Capital-Markets.webp?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Banking and Capital Markets\" href=\"\/au-en\/industries\/banking-and-capital-markets\/\" target=\"\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Banking and Capital Markets<\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Banking.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Banking.jpg?w=500&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Banking.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Core banking\" href=\"\/au-en\/solutions\/core-banking\/\" target=\"\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Core banking<\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/12\/ÎÚÑ»´«Ã½_Industries_Capital-Markets_Retail-banking-e1638447185800.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/12\/ÎÚÑ»´«Ã½_Industries_Capital-Markets_Retail-banking-e1638447185800.jpg?w=500&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/12\/ÎÚÑ»´«Ã½_Industries_Capital-Markets_Retail-banking-e1638447185800.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Retail and Commerical Banking\" href=\"\/au-en\/industries\/banking-and-capital-markets\/retail-and-commercial-banking\/\" target=\"\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Retail and Commerical Banking<\/h3><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>ÎÚÑ»´«Ã½\u2019s World Retail Banking Report 2021 indicated that more than 70% banking executives agree that embedded finance helps to innovate banking products and services, expand customer base, reduce distribution and customer acquisition costs, and diversify revenue sources. <\/p>\n","protected":false},"author":419,"featured_media":536254,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"72ff0869-53b4-45f2-acd0-1309d09c0027\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"_yoast_wpseo_primary_brand":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","featured_focal_points":""},"categories":[1],"tags":[],"brand":[],"service":[],"industry":[203],"partners":[],"blog-topic":[241,190,191],"content-group":[],"class_list":["post-536253","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","industry-banking-capital-markets","blog-topic-business-ops","blog-topic-innovation","blog-topic-technology"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Embedded finance: unlocking the $500Bn opportunity - ÎÚÑ»´«Ã½ Australia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Embedded finance: unlocking the $500Bn opportunity\" \/>\n<meta property=\"og:description\" content=\"ÎÚÑ»´«Ã½\u2019s World Retail Banking Report 2021 indicated that more than 70% banking executives agree that embedded finance helps to innovate banking products and services, expand customer base, reduce distribution and customer acquisition costs, and diversify revenue sources.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/\" \/>\n<meta property=\"og:site_name\" content=\"ÎÚÑ»´«Ã½ Australia\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-07T14:22:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-07T14:24:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Gareth Wilson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"pawanballa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/\",\"url\":\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/\",\"name\":\"Embedded finance: unlocking the $500Bn opportunity - ÎÚÑ»´«Ã½ Australia\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/au-en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/03\/Embedded-Finance.jpg\",\"datePublished\":\"2023-11-07T14:22:00+00:00\",\"dateModified\":\"2025-03-07T14:24:12+00:00\",\"author\":{\"@id\":\"https:\/\/www.capgemini.com\/au-en\/#\/schema\/person\/b50547d66f434128d54e3071b057a393\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/#primaryimage\",\"url\":\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/03\/Embedded-Finance.jpg\",\"contentUrl\":\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/03\/Embedded-Finance.jpg\",\"width\":2880,\"height\":1800,\"caption\":\"Structural glass facade curving roof of fantastic office building. Modern and Contemporary architectural fiction with glass steel column.Abstract architecture fragment.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/au-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Embedded finance: unlocking the $500Bn opportunity\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/au-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/au-en\/\",\"name\":\"ÎÚÑ»´«Ã½ Australia\",\"description\":\"ÎÚÑ»´«Ã½\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/au-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.capgemini.com\/au-en\/#\/schema\/person\/b50547d66f434128d54e3071b057a393\",\"name\":\"pawanballa\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.capgemini.com\/au-en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/582bad0827bb64641427076480befd65eff6fcd783935966d2fcc811db43c730?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/582bad0827bb64641427076480befd65eff6fcd783935966d2fcc811db43c730?s=96&d=mm&r=g\",\"caption\":\"pawanballa\"},\"url\":\"https:\/\/www.capgemini.com\/au-en\/author\/pawanballa\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Embedded finance: unlocking the $500Bn opportunity - ÎÚÑ»´«Ã½ Australia","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/","og_locale":"en_US","og_type":"article","og_title":"Embedded finance: unlocking the $500Bn opportunity","og_description":"ÎÚÑ»´«Ã½\u2019s World Retail Banking Report 2021 indicated that more than 70% banking executives agree that embedded finance helps to innovate banking products and services, expand customer base, reduce distribution and customer acquisition costs, and diversify revenue sources.","og_url":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/","og_site_name":"ÎÚÑ»´«Ã½ Australia","article_published_time":"2023-11-07T14:22:00+00:00","article_modified_time":"2025-03-07T14:24:12+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"author":"Gareth Wilson","twitter_card":"summary_large_image","twitter_misc":{"Written by":"pawanballa","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/","url":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/","name":"Embedded finance: unlocking the $500Bn opportunity - ÎÚÑ»´«Ã½ Australia","isPartOf":{"@id":"https:\/\/www.capgemini.com\/au-en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/#primaryimage"},"image":{"@id":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/#primaryimage"},"thumbnailUrl":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/03\/Embedded-Finance.jpg","datePublished":"2023-11-07T14:22:00+00:00","dateModified":"2025-03-07T14:24:12+00:00","author":{"@id":"https:\/\/www.capgemini.com\/au-en\/#\/schema\/person\/b50547d66f434128d54e3071b057a393"},"breadcrumb":{"@id":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/#primaryimage","url":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/03\/Embedded-Finance.jpg","contentUrl":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/03\/Embedded-Finance.jpg","width":2880,"height":1800,"caption":"Structural glass facade curving roof of fantastic office building. Modern and Contemporary architectural fiction with glass steel column.Abstract architecture fragment."},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/au-en\/"},{"@type":"ListItem","position":2,"name":"Embedded finance: unlocking the $500Bn opportunity"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/au-en\/#website","url":"https:\/\/www.capgemini.com\/au-en\/","name":"ÎÚÑ»´«Ã½ Australia","description":"ÎÚÑ»´«Ã½","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/au-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.capgemini.com\/au-en\/#\/schema\/person\/b50547d66f434128d54e3071b057a393","name":"pawanballa","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.capgemini.com\/au-en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/582bad0827bb64641427076480befd65eff6fcd783935966d2fcc811db43c730?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/582bad0827bb64641427076480befd65eff6fcd783935966d2fcc811db43c730?s=96&d=mm&r=g","caption":"pawanballa"},"url":"https:\/\/www.capgemini.com\/au-en\/author\/pawanballa\/"}]}},"blog_topic_info":[{"id":241,"name":"Business operations"},{"id":190,"name":"Innovation"},{"id":191,"name":"Technology"}],"taxonomy_info":{"category":[{"id":1,"name":"Uncategorized","slug":"uncategorized"}],"industry":[{"id":203,"name":"Banking &amp; capital markets","slug":"banking-capital-markets"}],"blog-topic":[{"id":241,"name":"Business operations","slug":"business-ops"},{"id":190,"name":"Innovation","slug":"innovation"},{"id":191,"name":"Technology","slug":"technology"}],"following_users":[{"id":393,"name":"pawanballa","slug":"pawanballa"},{"id":376,"name":"shilpasingh","slug":"shilpasingh"}]},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Embedded finance: unlocking the $500Bn opportunity","url":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/"},"thumbnailUrl":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/03\/Embedded-Finance.jpg?w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/03\/Embedded-Finance.jpg"},"articleSection":"Uncategorized","author":[{"@type":"Person","name":"pawanballa"}],"creator":["pawanballa"],"publisher":{"@type":"Organization","name":"ÎÚÑ»´«Ã½ Australia","logo":""},"keywords":[],"dateCreated":"2023-11-07T14:22:00Z","datePublished":"2023-11-07T14:22:00Z","dateModified":"2025-03-07T14:24:12Z"},"rendered":"<meta name=\"parsely-title\" content=\"Embedded finance: unlocking the $500Bn opportunity\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/au-en\/insights\/expert-perspectives\/embedded-finance-unlocking-the-500bn-opportunity\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-image-url\" content=\"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/03\/Embedded-Finance.jpg?w=150&amp;h=150&amp;crop=1\" \/>\n<meta name=\"parsely-pub-date\" content=\"2023-11-07T14:22:00Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>\n<meta name=\"parsely-author\" content=\"pawanballa\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/03\/Embedded-Finance.jpg","featured_image_src":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/03\/Embedded-Finance.jpg","featured_image_alt":"","jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"ÎÚÑ»´«Ã½ Australia","distributor_original_site_url":"https:\/\/www.capgemini.com\/au-en","push-errors":false,"featured_image_url":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2025\/03\/Embedded-Finance.jpg","author_title":"Gareth Wilson","author_thumbnail_url":"https:\/\/www.capgemini.com\/au-en\/wp-content\/uploads\/sites\/10\/2022\/03\/Gareth-Wilson-2-1.jpg?w=360","author_thumbnail_alt":"","_links":{"self":[{"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/posts\/536253","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/users\/419"}],"replies":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/comments?post=536253"}],"version-history":[{"count":1,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/posts\/536253\/revisions"}],"predecessor-version":[{"id":536256,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/posts\/536253\/revisions\/536256"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/media\/536254"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/media?parent=536253"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/categories?post=536253"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/tags?post=536253"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/brand?post=536253"},{"taxonomy":"service","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/service?post=536253"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/industry?post=536253"},{"taxonomy":"partners","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/partners?post=536253"},{"taxonomy":"blog-topic","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/blog-topic?post=536253"},{"taxonomy":"content-group","embeddable":true,"href":"https:\/\/www.capgemini.com\/au-en\/wp-json\/wp\/v2\/content-group?post=536253"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}